Tuohi Mastercard includes the free PriceGuard Insurance which, in accordance with its terms and conditions, will compensate for the difference if you find the same item at a lower price somewhere else within 30 days of your purchase.
The insurance covers any purchases you make with your Tuohi Mastercard, except for the items you purchase in-store when the credit card is issued to you, as set in the insurance terms and conditions.
You can apply for this card with Nordea Finance’s online application and at the shops of our cooperation partners. You can apply for a Tuohi Mastercard if you are 18 or older and have
You will also need to reside permanently in Finland.
You don’t need to be a Nordea customer to apply for a Tuohi Mastercard.
With the contactless payment feature you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal.
Alternatively, you can add your card to your phone, smart watch or other wearable for mobile payments. You can also make mobile payments exceeding 50 euros with your phone.
Your card works abroad as well. You can withdraw cash all over the world at ATMs carrying the Mastercard logo.
You can pay your purchases in instalments and transfer cash from the credit facility to your bank account.
Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date.
Keep track of your credit card transactions in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can use our OmaLuotto service (www.nordeafinance.fi/en/omaluotto) to view your available balance and to transfer cash from your credit facility to your bank account.
TUOHI Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 31,17 %, and the price of credit is 1,732 euros, when the nominal interest is the 3-month Euribor (04/2025) + 14 % and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. Tuohi is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
Prices for Tuohi Mastercard
| Annual fee | Price |
|---|---|
| Tuohi Mastercard -card | 0,00 € |
| Paralell card | 0,00 € |
| Additional services | Price |
|---|---|
| MasterCard queries in Netbank, Mobile Bank and in eService per month | 0,00 €
|
| Service fee for an express order of MasterCard | 10,00 € |
| Transaction query at Otto.ATMs, per query | 1,50 € |
| Reorder of card PIN (delivery by post) | 7,00 € |
| Checking card PIN in Netbank and Mobilebank
| 0,00 € |
| Change of credit limit | 0,00 € |
| Change of repayment schedule | 0,00 € |
| Transfer from credit card | Interest-bearing as of the transfer date |
| Printed credit card invoice/per invoice | 3,00 € |
| Change or renewal of card during its validity | 10,00 € |
| Finder’s fee | 0,00 € |
| Confiscation fee for a card used in violation of the card terms and conditions | 120,00 € |
| Cash withdrawals in Finland | Price |
|---|---|
| Cash withdrawals from bank account in Finland at a branch | 0,00 €
|
Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month | 0,00 € |
| Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal | 1,00 € |
| Cash withdrawals from card credit in Finland at ATMs per withdrawal | Interest-bearing as of the drawdown date |
| Cash withdrawals abroad | Price |
|---|---|
Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal | 0,00 € 1,00 € |
| Cash withdrawals in euros at ATMs from credit account in the EEA Member States | Interest-bearing as of the drawdown date |
Cash withdrawals in euros from credit account at branches in the EEA Member States Cash withdrawals in euros from bank account in the EEA Member States
| Interest-bearing as of the drawdown date
2,00 € + 3 %
|
Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA
| Interest-bearing as of the drawdown date 2,00 € + 3 %
|
| Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark | 0,00 € |
| Fees related to account maintenance | Price |
|---|---|
| The fee related to account maintenance/per month in case of outstanding debt or transactions | 5,00 € |
| Transaction fees | Price |
|---|---|
| Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro | 2,25 % |
| *When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. For more information, see foreign currency card transactions.Opens new window |
You choose the features of your card when you apply for it, but you can change them later by yourself.
For instance, you can change the amount you repay every month as well as the instalment-free months and the payment date in Nordea Mobile. If you want to apply for a raise to your credit limit, you can do it in Nordea Netbank.
You can easily check your card’s PIN in Nordea Mobile or Netbank free of charge.
You can apply to increase the credit limit of your card by filling in the form below.
You can apply to increase your credit limit if you have a regular income, a good payment history and a clean credit record. The factors determining the credit limit you can get include your income, your current debt and the balance of your finances.
You can edit the security settings on your card in Nordea Mobile and Netbank or in the OmaLuotto service.
Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card.
Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10.
Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad.
If you want to terminate and cancel your card, you can do it digitally in the OmaLuotto service or by submitting a termination request. See further instructions on how to terminate your card. We recommend that all our customers have at least two cards. This way you are covered if you break or lose one of your cards.
Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example.
When you pay your purchases with your card’s charge and credit facility, you get an interest-free payment period of 30 days on average.
Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available.
Invoicing period changes on 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead.
You can change the due date, the instalment percentage and the instalment-free months
The instalment percentage may be 4–100% of the credit amount. The instalment-free months may not be consecutive. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases.
If you want to change the due date or instalment percentage on an invoice that has already been created, please call Nordea Finance Customer Service. The changes are subject to a fee set in our tariff.
See your credit card invoice for the invoicing period, monthly transactions and payment details. The breakdowns for e-invoices are available in Nordea Netbank and Nordea Mobile.
You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards.
You can easily pay off your full credit amount or a part of it in Nordea Mobile. Select your credit card on the front page and go to Pay and transfer > Used credit. Here you can set the amount you want to pay. Other details will be filled in automatically.
You can also repay your credit card debt in Nordea Netbank. Select your card on the Overview page and click ‘Pay back’. Select the payment account and the repayment amount. Other details will be filled in automatically. Your repayment will show immediately.
You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details or in the OmaLuotto service.
You can easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date.
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